It is illegal to drive a car without car insurance. So, if you already have a felony conviction you’ll want to make sure you have car insurance before you get behind the wheel.
But, depending on your circumstances it can be hard for someone with a felony conviction to obtain a car insurance policy. Car insurance companies are not concerned with criminal history, unless it involves a driving-related offense such as DUI. But, car insurance companies are concerned with your driving history and will also use your credit history to determine your rates.
Here are some of the factors that are considered when it comes to car insurance with a felony conviction and how to find the best car insurance rates for felons.
A Valid Driver’s License
Before obtaining car insurance, you must ensure you have a valid driver’s license. For some felony offenses, the privilege of having a driver’s license is revoked. This can happen in DUI cases and in some vehicular homicide or manslaughter convictions.
Your Driving History
When you apply for car insurance, the insurance company does not perform a criminal background check. But, they will run a driving history, or motor vehicle, report. Typically, this report shows the last ten years of driving history and any accidents or traffic violations you have had in that time.
Your Credit Report
Even if you have a valid driver’s license and a clean driving history, you may find yourself with higher rates because of your credit report. Felony crimes that have affected your credit, or being in jail for many years, can lead insurance companies to consider you a higher risk, at least for some time.
When You Have SR-22 Requirements
Most states require special conditions for drivers who have been convicted of a DUI or other serious motor vehicle offenses. The standard form in most states is known as an SR-22. This is a form that is filed by the insurance company that will insure you. It goes to the department of motor vehicles in your state. The SR-22 is a certificate stating your financial responsibility and that you are covered by at least the required state minimum amount of car insurance.
Obtaining auto insurance with an SR-22 requirement is not hard, but it will cost you more than a typical auto insurance policy.
How to Find Car Insurance
Shopping for quotes is the best approach to obtaining car insurance if you have a felony conviction. If you are considered a high-risk driver, most insurance companies have a division that will cover you. In addition, there are many other companies that specialize in what is known as non-standard insurance.
Shopping around for the best car insurance rates is the only way to find the most affordable coverage for your situation. And, the InsuranceWins fast and easy form can help you take your first step forward.
